A: Mr. Credit is a radio personality who strives to bring San Diego the truth about everything important to their lives, money and credit scores. The goal is to find all the secrets, all the things they don't want you to know and share it every day on the radio show.

Q: What kind of background do you have in personal finance and credit?

A:I've spent the last 12 years working in all aspects of consumer finance. I haven't learned anything by reading books or going to seminars. I've done my own research to draw the conclusions I share every day on the air. Most of the stuff you read online is garbage. Everyone has an agenda. If you want the truth, you have to figure it out for yourself. That's exactly what I've done and what I'll continue to do for our friends and listeners.

Q: Why do you want to help people with their personal finances?

A: My biggest motivation is the flaws in the educational system. I volunteer at Clairemont High School in the Academy of Business and Technology. I give seminars to juniors and seniors every year teaching them about basic things like: how to buy a car, calculating the investment in your education, building your credit profile, how to use your credit, etc.

In America, there are two different worlds. There is school and there is reality. Until the system starts to integrate the two more, which is what the academy is doing, then our children will continue to be left out in the real world to learn by making mistakes one at a time.

I'm trying to give people the education they deserve in a one-hour radio show. It's tough, but I do my best. When someone emails through MrCreditRadio.com, I will call them and we'll talk it out. It's the best way to problem solve."

Q: Favorite guest/topic so far?

A: I really enjoy helping people make smart decisions with their real estate, from avoiding foreclosure to doing a short sale the right way to refinancing to a new strategy and saving thousands. I love it all.